{"id":27657,"date":"2024-11-15T08:44:37","date_gmt":"2024-11-15T16:44:37","guid":{"rendered":"\/wp-site\/?post_type=car-insurance&#038;p=27657"},"modified":"2025-12-12T10:18:46","modified_gmt":"2025-12-12T18:18:46","slug":"cheap-ky","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/kentucky\/cheap-ky\/","title":{"rendered":"How to Find the Cheapest Car Insurance in Kentucky"},"content":{"rendered":"\n<p class=\"wp-block-jerry-live-text-wrapper\">\n  \nGood news for Kentucky drivers: Jerry\u2019s latest data shows that liability coverage in the Bluegrass State averages around <span style=\"font-style:normal;font-weight:700;\" class=\"wp-block-jerry-live-text\">$422<\/span> <strong>per month<\/strong>. Kentucky is a <strong>choice no-fault state<\/strong>, which means most drivers rely on personal injury protection (PIP) to cover medical expenses after a crash. This factor plays a major role in how insurers calculate risk. Over the last year, we\u2019ve helped <span style=\"font-style:normal;font-weight:700;\" class=\"wp-block-jerry-live-text\">17,385<\/span> <strong>Kentucky drivers<\/strong> secure cheaper coverage. Drivers who buy through Jerry save an average of <span style=\"font-style:normal;font-weight:700;\" class=\"wp-block-jerry-live-text\">$703<\/span> <strong>each year, <\/strong>without trimming essential protection.\n<\/p>\n\n\n\n<p class=\"wp-block-jerry-live-text-wrapper\">\n  \nJerry compares quotes from <strong>up to<\/strong> <span style=\"font-style:normal;font-weight:700;\" class=\"wp-block-jerry-live-text\">10<\/span> <strong>trusted insurers<\/strong> in Kentucky, helping you build the right policy and uncover your lowest rate in minutes.\n<\/p>\n\n\n<div class=\"max-md:mx-full-bleed is-style-mobile-only wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-cover is-style-md-rounded-3xl has-aspect-ratio\" style=\"padding-right:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40);min-height:160px;aspect-ratio:5\/2;min-height:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" class=\"wp-block-cover__image-background wp-image-68258 size-full\" alt=\"\" src=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1.png\" style=\"object-position:66% 81%\" data-object-fit=\"cover\" data-object-position=\"66% 81%\" srcset=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1.png 1024w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-300x300.png 300w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-150x150.png 150w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-768x768.png 768w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-900x900.png 900w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-400x400.png 400w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-56x56.png 56w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-250x250.png 250w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" fetchpriority=\"low\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-40 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-055e758ea2a9d80becb7d734e4ec7e99\" style=\"font-size:clamp(17.371px, 1.086rem + ((1vw - 3.2px) * 0.752), 27px);\"><strong>Save on Kentucky insurance with Jerry<\/strong>.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes<\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What Kentucky drivers are paying right now<\/h2>\n\n\n\n<p>Car insurance costs in Kentucky can shift quickly, thanks to rising medical claim costs, storm activity and high accident rates on corridors like I-64 and I-75. Even two drivers with spotless records can pay very different prices depending on whether they live in Louisville or rural Appalachia.<\/p>\n\n\n\n<p>Jerry tracks real-time quotes across the state to show what drivers are actually paying today. Here are recent examples of <a href=\"\/car-insurance\/full-coverage-car-insurance\/\">full coverage<\/a> policies purchased through Jerry.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" style=\"margin-top:var(--wp--preset--spacing--30);margin-right:0;margin-bottom:var(--wp--preset--spacing--30);margin-left:0\">Recent quotes<\/h4>\n\n\n\n<div data-show-load-more=\"false\" style=\"margin-top:0;margin-bottom:0;\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;customer&quot;:&quot;Olivia, 50, Campbellsville, KY&quot;,&quot;quotingAt&quot;:&quot;08\\\/23\\\/25&quot;,&quot;carMake&quot;:&quot;&lt;a href=\\&quot;\\\/car-insurance\\\/ford\\\/\\&quot; title=\\&quot;Ford\\&quot;&gt;Ford&lt;\\\/a&gt;&quot;,&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/national-general\\\/\\&quot; title=\\&quot;National General\\&quot;&gt;National General&lt;\\\/a&gt;&quot;,&quot;premiumAfterJerry&quot;:&quot;$85&quot;,&quot;premiumSavingsPercentage&quot;:&quot;15%&quot;},{&quot;customer&quot;:&quot;Lora, 53, Louisville, KY&quot;,&quot;quotingAt&quot;:&quot;11\\\/24\\\/25&quot;,&quot;carMake&quot;:&quot;&lt;a href=\\&quot;\\\/car-insurance\\\/kia\\\/\\&quot; title=\\&quot;Kia\\&quot;&gt;Kia&lt;\\\/a&gt;&quot;,&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/national-general\\\/\\&quot; title=\\&quot;National General\\&quot;&gt;National General&lt;\\\/a&gt;&quot;,&quot;premiumAfterJerry&quot;:&quot;$152&quot;,&quot;premiumSavingsPercentage&quot;:&quot;65%&quot;},{&quot;customer&quot;:&quot;Calvin, 29, Central City, KY&quot;,&quot;quotingAt&quot;:&quot;11\\\/14\\\/25&quot;,&quot;carMake&quot;:&quot;&lt;a href=\\&quot;\\\/car-insurance\\\/chevrolet\\\/\\&quot; title=\\&quot;Chevrolet\\&quot;&gt;Chevrolet&lt;\\\/a&gt;&quot;,&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/national-general\\\/\\&quot; title=\\&quot;National General\\&quot;&gt;National General&lt;\\\/a&gt;&quot;,&quot;premiumAfterJerry&quot;:&quot;$68&quot;,&quot;premiumSavingsPercentage&quot;:&quot;42%&quot;},{&quot;customer&quot;:&quot;Randy, 24, Berea, KY&quot;,&quot;quotingAt&quot;:&quot;10\\\/23\\\/25&quot;,&quot;carMake&quot;:&quot;&lt;a href=\\&quot;\\\/car-insurance\\\/chevrolet\\\/\\&quot; title=\\&quot;Chevrolet\\&quot;&gt;Chevrolet&lt;\\\/a&gt;&quot;,&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/progressive\\\/\\&quot; title=\\&quot;Progressive\\&quot;&gt;Progressive&lt;\\\/a&gt;&quot;,&quot;premiumAfterJerry&quot;:&quot;$85&quot;,&quot;premiumSavingsPercentage&quot;:&quot;29%&quot;},{&quot;customer&quot;:&quot;Jorge, 54, Danville, KY&quot;,&quot;quotingAt&quot;:&quot;10\\\/02\\\/25&quot;,&quot;carMake&quot;:&quot;&lt;a href=\\&quot;\\\/car-insurance\\\/chrysler\\\/\\&quot; title=\\&quot;Chrysler\\&quot;&gt;Chrysler&lt;\\\/a&gt;&quot;,&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/progressive\\\/\\&quot; title=\\&quot;Progressive\\&quot;&gt;Progressive&lt;\\\/a&gt;&quot;,&quot;premiumAfterJerry&quot;:&quot;$45&quot;,&quot;premiumSavingsPercentage&quot;:&quot;42%&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed hidden md:block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Customer  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Date  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Make  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Insurer  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Monthly quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Savings  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Customer  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Date  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Make  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Insurer  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Monthly quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Savings  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.customer\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.quotingAt\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carMake\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.premiumAfterJerry\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.premiumSavingsPercentage\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.customer\">Olivia, 50, Campbellsville, KY<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.quotingAt\">08\/23\/25<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carMake\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.premiumAfterJerry\">$85<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.premiumSavingsPercentage\">15%<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.customer\">Lora, 53, Louisville, KY<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.quotingAt\">11\/24\/25<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carMake\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.premiumAfterJerry\">$152<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.premiumSavingsPercentage\">65%<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.customer\">Calvin, 29, Central City, KY<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.quotingAt\">11\/14\/25<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carMake\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.premiumAfterJerry\">$68<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.premiumSavingsPercentage\">42%<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.customer\">Randy, 24, Berea, KY<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.quotingAt\">10\/23\/25<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carMake\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.premiumAfterJerry\">$85<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.premiumSavingsPercentage\">29%<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.customer\">Jorge, 54, Danville, KY<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.quotingAt\">10\/02\/25<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carMake\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.premiumAfterJerry\">$45<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.premiumSavingsPercentage\">42%<\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n      <div\n      class=\"block md:hidden\"\n      data-wp-init=\"callbacks.onCardCarouselInit\"\n    >\n      <div class=\"live-table-card-carousel scrollbar-width-none mx-full-bleed flex snap-x snap-mandatory scroll-pl-6 overflow-x-scroll scroll-smooth px-6\">\n        <div class=\"mx-auto flex gap-3\">\n          <template data-wp-each=\"state.displayData\">\n            <div class=\"live-table-card overflow-hidden w-72 snap-start rounded-lg border\">\n  <!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\" data-wp-text=\"context.item.customer\"><\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Date<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.quotingAt\"><\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Make<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-column=\"carMake\" data-wp-init=\"callbacks.onCellInit\"><\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Insurer<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Monthly quote<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.premiumAfterJerry\"><\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600 !bg-pink-100\">\n    <span>Savings<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900 !bg-pink-100\">\n    <span data-wp-text=\"context.item.premiumSavingsPercentage\"><\/span>\n  <\/div>\n  <\/div>\n<\/div>\n              <\/template>\n            <div data-wp-each-child class=\"live-table-card overflow-hidden w-72 snap-start rounded-lg border\">\n  <!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\" data-wp-text=\"context.item.customer\">Olivia, 50, Campbellsville, KY<\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Date<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.quotingAt\">08\/23\/25<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Make<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-column=\"carMake\" data-wp-init=\"callbacks.onCellInit\"><\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Insurer<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Monthly quote<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.premiumAfterJerry\">$85<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600 !bg-pink-100\">\n    <span>Savings<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900 !bg-pink-100\">\n    <span data-wp-text=\"context.item.premiumSavingsPercentage\">15%<\/span>\n  <\/div>\n  <\/div>\n<\/div>\n              \n            <div data-wp-each-child class=\"live-table-card overflow-hidden w-72 snap-start rounded-lg border\">\n  <!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\" data-wp-text=\"context.item.customer\">Lora, 53, Louisville, KY<\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Date<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.quotingAt\">11\/24\/25<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Make<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-column=\"carMake\" data-wp-init=\"callbacks.onCellInit\"><\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Insurer<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Monthly quote<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.premiumAfterJerry\">$152<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600 !bg-pink-100\">\n    <span>Savings<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900 !bg-pink-100\">\n    <span data-wp-text=\"context.item.premiumSavingsPercentage\">65%<\/span>\n  <\/div>\n  <\/div>\n<\/div>\n              \n            <div data-wp-each-child class=\"live-table-card overflow-hidden w-72 snap-start rounded-lg border\">\n  <!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\" data-wp-text=\"context.item.customer\">Calvin, 29, Central City, KY<\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Date<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.quotingAt\">11\/14\/25<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Make<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-column=\"carMake\" data-wp-init=\"callbacks.onCellInit\"><\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Insurer<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Monthly quote<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.premiumAfterJerry\">$68<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600 !bg-pink-100\">\n    <span>Savings<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900 !bg-pink-100\">\n    <span data-wp-text=\"context.item.premiumSavingsPercentage\">42%<\/span>\n  <\/div>\n  <\/div>\n<\/div>\n              \n            <div data-wp-each-child class=\"live-table-card overflow-hidden w-72 snap-start rounded-lg border\">\n  <!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\" data-wp-text=\"context.item.customer\">Randy, 24, Berea, KY<\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Date<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.quotingAt\">10\/23\/25<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Make<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-column=\"carMake\" data-wp-init=\"callbacks.onCellInit\"><\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Insurer<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Monthly quote<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.premiumAfterJerry\">$85<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600 !bg-pink-100\">\n    <span>Savings<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900 !bg-pink-100\">\n    <span data-wp-text=\"context.item.premiumSavingsPercentage\">29%<\/span>\n  <\/div>\n  <\/div>\n<\/div>\n              \n            <div data-wp-each-child class=\"live-table-card overflow-hidden w-72 snap-start rounded-lg border\">\n  <!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\" data-wp-text=\"context.item.customer\">Jorge, 54, Danville, KY<\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Date<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.quotingAt\">10\/02\/25<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Make<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-column=\"carMake\" data-wp-init=\"callbacks.onCellInit\"><\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Insurer<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Monthly quote<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.premiumAfterJerry\">$45<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-600 !bg-pink-100\">\n    <span>Savings<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900 !bg-pink-100\">\n    <span data-wp-text=\"context.item.premiumSavingsPercentage\">42%<\/span>\n  <\/div>\n  <\/div>\n<\/div>\n              \n        <\/div>\n      <\/div>\n\n      <div class=\"live-table-card-carousel-indicator mt-3.5 flex flex-row items-center justify-center gap-1\">\n        <template data-wp-each=\"state.displayData\">\n          <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n        <\/template>\n          <span data-wp-each-child class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n        \n          <span data-wp-each-child class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n        \n          <span data-wp-each-child class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n        \n          <span data-wp-each-child class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n        \n          <span data-wp-each-child class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n        \n      <\/div>\n    <\/div>\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated December 2025<\/span>\n    <\/div>\n  <\/div>\n\n\n\n<p class=\"has-small-font-size\"><em><em><em>Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.<\/em><\/em><\/em><\/p>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 is-style-mobile-full-bleed is-style-max-md-rounded-none has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-thumb-up text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Key takeaway:<\/strong> Check your rate regularly. In Kentucky, everything from spring flooding to winter ice, plus high statewide medical claim costs, can push your premium up or down by renewal time.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">4 smart ways Jerry helps Kentucky drivers save with Jerry<\/h2>\n\n\n\n<p>If you\u2019re trying to <strong>cut your car insurance costs<\/strong> in Kentucky, you\u2019re in good company. But the lowest rate on paper isn\u2019t always the best value, especially in a state with no-fault medical benefits and some of the highest uninsured driver rates in the region.<\/p>\n\n\n\n<p>Jerry keeps things simple: We compare real quotes, highlight discounts you might otherwise miss and show <strong>exactly where you can save<\/strong>, all without sacrificing the coverage you rely on.<\/p>\n\n\n\n<p>Here are the<strong> top ways Kentucky drivers save <\/strong>with Jerry.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>How to save<\/th><th>Average Kentucky driver savings<\/th><\/tr><\/thead><tbody><tr><td>Compare quotes<\/td><td><strong>43% <\/strong>to <strong>65%<\/strong><\/td><\/tr><tr><td>Stack discounts<\/td><td><strong>24%<\/strong> to <strong>36%<\/strong><\/td><\/tr><tr><td>Pick the right deductible<\/td><td><strong>16%<\/strong> to <strong>71%<\/strong>*<\/td><\/tr><tr><td>Keep a clean driving record<\/td><td><strong>83%<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-small-font-size\"><em>*Among all Jerry drivers <em>nationwide<\/em>.<\/em><\/p>\n\n\n\n<p class=\"has-small-font-size\"><em><em><em>Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.<\/em><\/em><\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Jerry Agent Tip 1: Compare quotes from multiple insurers<\/h3>\n\n\n\n<p>Kentucky\u2019s car insurance pricing differs wildly from company to company. High medical claim costs, above-average crash rates in big cities and severe weather patterns all impact how carriers set premiums. Meanwhile, rural drivers often see lower claim frequency and very different pricing.<\/p>\n\n\n\n<p><strong>Comparing rates side-by-side<\/strong> with Jerry is the fastest way to ensure you\u2019re not overspending.<\/p>\n\n\n\n<p>Here\u2019s where<strong> Kentucky drivers who saved <\/strong>switched<strong> <\/strong>after comparing with Jerry:<\/p>\n\n\n\n<figure id=\"make-tip-1\" class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Insurance carrier<\/th><th>Kentucky drivers who switched<\/th><th>Average Jerry savings<\/th><\/tr><\/thead><tbody><tr><td><a href=\"\/reviews\/car-insurance\/progressive\/\">Progressive<\/a><\/td><td>29%<\/td><td>31%<\/td><\/tr><tr><td><a href=\"\/reviews\/car-insurance\/root\/\">Root<\/a><\/td><td>10%<\/td><td>28%<\/td><\/tr><tr><td><a href=\"\/reviews\/car-insurance\/national-general\/\" data-type=\"reviews\" data-id=\"48683\">National General<\/a><\/td><td>7%<\/td><td>30%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-small-font-size\"><em><em><em>Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.<\/em><\/em><\/em><\/p>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 is-style-mobile-full-bleed is-style-max-md-rounded-none has-gray-pink-background-color has-background\"><span class=\"iconify i--plus text-primary rotate-0 text-lg mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Why it matters:<\/strong> Location is everything in Kentucky. Drivers in Louisville often face significantly higher premiums than those in Owensboro or Paducah. Jerry helps you map those differences instantly and find coverage that fits your budget.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-button-primary\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes with Jerry<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Jerry Agent Tip 2: Combine discounts for a cheaper rate<\/h3>\n\n\n\n<p>Most Kentucky drivers <strong>qualify for several <\/strong><a href=\"\/car-insurance\/car-insurance-discounts\/\"><strong>discounts<\/strong><\/a>, like home-and-auto bundles, telematics programs, safe-driver rewards, paperless billing and anti-theft devices. But insurers don\u2019t always apply them automatically.<\/p>\n\n\n\n<p>Jerry identifies the discounts you\u2019re eligible for so you <strong>don\u2019t leave savings behind<\/strong>.<\/p>\n\n\n<div style=\"position: relative; width: 100%; height: 0px; padding: 100% 0px 0px; overflow: hidden; will-change: transform;\"><iframe credentialless style=\"position: absolute; width: 100%; height: 100%; top: 0px; left: 0px; border: none; padding: 0px; margin: 0px;\" title=\"[make] Discount Chart 3\" src=\"https:\/\/e.infogram.com\/f9d93b4c-bd1e-4a74-b70d-86dccaf612c0?src=embed&amp;embed_type=responsive_iframe\"><\/iframe><\/div>\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 is-style-mobile-full-bleed is-style-max-md-rounded-none has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-thumb-up text-primary rotate-0 text-lg mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Key takeaway:<\/strong> Stacking discounts often delivers <em>deeper savings than adjusting your deductible alone.<\/em><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-button-primary\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes with Jerry<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Jerry Agent Tip 3: Pick the right deductible<\/h3>\n\n\n\n<p>Choosing the right <a href=\"\/car-insurance\/car-insurance-deductible\/\">deductible<\/a> is one of the easiest ways to adjust your premium. Raising it can reduce your monthly cost, but that only works <strong>if you can cover that amount after an accident.<\/strong> Kentucky\u2019s mix of rural roads, deer collisions and winter ice makes this especially important.<\/p>\n\n\n\n<p>Here\u2019s what Jerry drivers chose for their deductibles in the past year:<\/p>\n\n\n<div style=\"position: relative; width: 100%; height: 0px; padding: 64.29% 0px 0px; overflow: hidden; will-change: transform;\"><iframe credentialless loading=\"lazy\" src=\"https:\/\/e.infogram.com\/0ecffec8-8fc3-4ee6-8cb9-fddfaace4fa0?src=embed&amp;embed_type=responsive_iframe\" title=\"Deductibles\" allowfullscreen=\"\" allow=\"fullscreen\" style=\"position: absolute; width: 100%; height: 100%; top: 0px; left: 0px; border: none; padding: 0px; margin: 0px;\"><\/iframe><\/div>\n\n\n<p>To find the right deductible:<\/p>\n\n\n\n<ul class=\"wp-block-jerry-custom-bullet-list m-0 list-none\"><li class=\"flex flex-row wp-block-jerry-custom-bullet-list-item\">\n  <span class=\"iconify text-primary i--circle-arrow mr-4 mt-1 shrink-0\"><\/span>\n  \n<div class=\"flex-1 *:my-0\">\n<p>Look at your car\u2019s current value (Jerry updates this automatically).<\/p>\n<\/div>\n<\/li>\n\n\n<li class=\"flex flex-row wp-block-jerry-custom-bullet-list-item\">\n  <span class=\"iconify text-primary i--circle-arrow mr-4 mt-1 shrink-0\"><\/span>\n  \n<div class=\"flex-1 *:my-0\">\n<p>Pick an amount you could reasonably cover after a surprise claim.<\/p>\n<\/div>\n<\/li>\n\n\n<li class=\"flex flex-row wp-block-jerry-custom-bullet-list-item\">\n  <span class=\"iconify text-primary i--circle-arrow mr-4 mt-1 shrink-0\"><\/span>\n  \n<div class=\"flex-1 *:my-0\">\n<p>Use Jerry to see how each deductible level changes your rate in real time.<\/p>\n<\/div>\n<\/li>\n<\/ul>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 is-style-mobile-full-bleed is-style-max-md-rounded-none has-gray-pink-background-color has-background\"><span class=\"iconify i--logo-mark text-primary rotate-0 text-lg mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>The Jerry difference: <\/strong>Jerry shows you the savings across multiple deductible levels so you can find the best balance of cost and protection.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-button-primary\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes with Jerry<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Jerry Agent Tip 4: Keep your record clean to unlock major savings<\/h3>\n\n\n\n<p>Nothing moves your insurance price more than your driving record. In Kentucky, even a single ticket or minor collision can follow you for years, and the reverse is also true: a clean record is <strong>one of the most powerful ways to bring your premiums down<\/strong>.<\/p>\n\n\n\n<p>Jerry\u2019s data shows that drivers with violations pay <strong>an average of 83%<\/strong> more compared to those with a clean driving record. Safe habits like steady braking, obeying speed limits and avoiding late-night or high-risk driving make a measurable difference in what insurers charge.<\/p>\n\n\n\n<p>And when your record improves, Jerry helps find lower rates for your policy. That way you capture every bit of those savings the moment you qualify.<\/p>\n\n\n\n<p class=\"has-small-font-size\"><em>Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.<\/em><\/p>\n\n\n<div class=\"max-md:mx-full-bleed is-style-mobile-only wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-cover is-style-md-rounded-3xl has-aspect-ratio\" style=\"padding-right:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40);min-height:160px;aspect-ratio:5\/2;min-height:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" class=\"wp-block-cover__image-background wp-image-68246 size-full\" alt=\"\" src=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/CTA11.png\" style=\"object-position:53% 49%\" data-object-fit=\"cover\" data-object-position=\"53% 49%\" srcset=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/CTA11.png 1024w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/CTA11-300x300.png 300w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/CTA11-150x150.png 150w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/CTA11-768x768.png 768w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/CTA11-900x900.png 900w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/CTA11-400x400.png 400w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/CTA11-56x56.png 56w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/CTA11-250x250.png 250w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" fetchpriority=\"low\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-40 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-ed0c086e9ce588d3d0df7bd54658beb6\" style=\"font-size:clamp(17.371px, 1.086rem + ((1vw - 3.2px) * 0.752), 27px);\"><strong>Get personalized car insurance rates now<\/strong>.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes<\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How to get better coverage without overpaying<\/h2>\n\n\n\n<p><strong>Kentucky requires 25\/50\/25 liability coverage <a href=\"\/car-insurance\/personal-injury-protection-insurance\/\" data-type=\"car-insurance\" data-id=\"54371\">plus personal injury protection<\/a><\/strong>, unless you reject PIP in writing. However, the minimums rarely provide enough protection, especially with rising repair and medical costs.<\/p>\n\n\n\n<p>Here are the common coverage tiers in Kentucky:<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-grid wp-container-core-group-is-layout-32711612 wp-block-group-is-layout-grid\">\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);line-height:1\"><strong>Minimum<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-jerry-live-text-wrapper\">\n   <span class=\"wp-block-jerry-live-text\">$100<\/span> &#8211; <span class=\"wp-block-jerry-live-text\">$217<\/span>\/mo\n<\/p>\n<\/div>\n\n\n\n<p class=\"has-small-font-size\" style=\"line-height:1.4\"><em><em><em>Meets Kentucky\u2019s <\/em><a href=\"\/car-insurance\/property-damage-liability-car-insurance\/\"><em>liability<\/em><\/a><em> and PIP requirements, but <\/em><strong><em>does not protect your own vehicle.<\/em><\/strong><\/em><\/em><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);line-height:1\"><strong>Full<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-jerry-live-text-wrapper\">\n   <span class=\"wp-block-jerry-live-text\">$171<\/span> &#8211; <span class=\"wp-block-jerry-live-text\">$392<\/span>\/mo\n<\/p>\n<\/div>\n\n\n\n<p class=\"has-small-font-size\" style=\"line-height:1.4\"><em><em>Adds <\/em><a href=\"\/car-insurance\/comprehensive-insurance\/\"><em>comprehensive<\/em><\/a><em> and <\/em><a href=\"\/car-insurance\/collision-insurance\/\"><em>collision<\/em><\/a><em> coverage, <\/em><strong><em>often required for financed or leased vehicles.<\/em><\/strong><\/em><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);line-height:1\"><strong>Standard<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-jerry-live-text-wrapper\">\n   <span class=\"wp-block-jerry-live-text\">$205<\/span> &#8211; <span class=\"wp-block-jerry-live-text\">$485<\/span>\/mo\n<\/p>\n<\/div>\n\n\n\n<p class=\"has-small-font-size\" style=\"line-height:1.4\"><em><em><em><em>Increases limits and often includes <\/em><a href=\"\/car-insurance\/what-is-medical-payments-coverage\/\"><em>medical payments<\/em><\/a><em> or uninsured\/underinsured motorist coverage.<\/em><\/em><\/em><\/em><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);line-height:1\"><strong>Preferred<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-jerry-live-text-wrapper\">\n   <span class=\"wp-block-jerry-live-text\">$241<\/span> &#8211; <span class=\"wp-block-jerry-live-text\">$606<\/span>\/mo\n<\/p>\n<\/div>\n\n\n\n<p class=\"has-small-font-size\" style=\"line-height:1.4\"><em><em>Higher liability limits, lower deductibles and extras like rental reimbursement and towing mean <strong>better protection<\/strong>.<\/em><\/em><\/p>\n<\/div>\n<\/div>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-thumb-up text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p class=\"is-style-mobile-full-bleed is-style-max-md-rounded-none\"><strong>Key takeaway: <\/strong>Start with what your car is worth and your comfort level with risk. Jerry shows real-time prices for each option so you can choose confidently.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<p><strong>Kentucky\u2019s cheapest option is the legal minimum<\/strong>. However, adding collision or <a href=\"\/car-insurance\/uninsured-motorist-coverage\/\" data-type=\"car-insurance\" data-id=\"3134\">UM\/UIM<\/a> can make a major difference, especially in a state with one of the highest uninsured driver rates in the region.<\/p>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Coverage definitions      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Coverage<\/th><th class=\"has-text-align-left\" data-align=\"left\">Definition<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/collision-insurance\/\">Collision insurance<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">An optional coverage type that pays to repair or replace your car if it\u2019s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle\u2019s repairs if your policy has collision coverage.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/comprehensive-insurance\/\">Comprehensive insurance<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/bodily-injury-liability\/\"><\/a><a href=\"\/car-insurance\/bodily-injury-liability\/\">Bodily injury liability (BI)<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Pays others\u2019 medical costs in an accident you cause, up to your policy limits. It\u2019s mandatory in most states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/property-damage-liability-car-insurance\/\"><\/a><a href=\"\/car-insurance\/property-damage-liability-car-insurance\/\">Property damage liability (PD)<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It\u2019s mandatory in most states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/personal-injury-protection-insurance\/\">Personal injury protection (PIP)<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/what-is-medical-payments-coverage\/\">Medical payments<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/uninsured-motorist-coverage\/\"><\/a><a href=\"\/car-insurance\/uninsured-motorist-coverage\/\">Uninsured\/underinsured motorist coverage (UM\/UIM)<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn\u2019t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states.<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Kentucky insurance factors at a glance<\/h3>\n\n\n\n<p>There are several unique factors shaping Kentucky\u2019s car insurance prices. Here are the top ones to note:<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-grid wp-container-core-group-is-layout-32711612 wp-block-group-is-layout-grid\">\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.156), 16px);font-style:normal;font-weight:700;line-height:1\">Severe storms and hail<\/p>\n\n\n\n<p class=\"has-small-font-size\" style=\"line-height:1.4\">Kentucky sees heavy thunderstorm and hail activity, especially in spring, so<a href=\"\/car-insurance\/comprehensive-insurance\/\"> <strong>comprehensive<\/strong><\/a> <strong>coverage is valuable<\/strong>.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.156), 16px);font-style:normal;font-weight:700;line-height:1\">Rural vs urban risk<\/p>\n\n\n\n<p class=\"has-small-font-size\" style=\"line-height:1.4\">Louisville and Lexington have higher crash and theft rates, while rural areas see more deer-collision claims.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.156), 16px);font-style:normal;font-weight:700;line-height:1\">No-fault rules<\/p>\n\n\n\n<p class=\"has-small-font-size\" style=\"line-height:1.4\">PIP covers your medical costs regardless of fault, but<strong> it doesn\u2019t cover vehicle damage<\/strong>. Collision coverage fills that gap.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.156), 16px);font-style:normal;font-weight:700;line-height:1\">Uninsured drivers<\/p>\n\n\n\n<p class=\"has-small-font-size\" style=\"line-height:1.4\">Roughly <strong>15% of Kentucky drivers are <\/strong><a href=\"\/car-insurance\/uninsured-motorist-coverage\/\"><strong>uninsured<\/strong><\/a>, so strong UM\/UIM coverage is essential.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-button-primary\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes with Jerry<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Kentucky Insurance After a Ticket, Accident or SR-22<\/h2>\n\n\n\n<p>One mistake shouldn\u2019t define your rates. Jerry works with <a href=\"\/car-insurance\/best-car-insurance-companies\/\"><strong>top insurers<\/strong><\/a> that take a balanced view of violations and helps you reevaluate your coverage as your record improves.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">If you got a ticket<\/h3>\n\n\n\n<p>Kentucky uses a points system, and violations remain on your record for years. Too many points can lead to mandatory driving courses or even suspensions. A single <a href=\"\/car-insurance\/what-is-a-citation\/\">ticket<\/a> can raise your premium <strong>15% to 30%<\/strong> depending on severity.<\/p>\n\n\n\n<p>Finishing an approved driver-improvement course may reduce points or lower your rate. <strong>Jerry automatically shops for lower prices<\/strong> once your violation clears.<\/p>\n\n\n\n<p>The average rate increases for Kentucky drivers after a citation are:<\/p>\n\n\n\n<ul class=\"wp-block-jerry-custom-bullet-list m-0 list-none\"><li class=\"flex flex-row wp-block-jerry-custom-bullet-list-item\">\n  <span class=\"iconify text-primary i--circle-arrow mr-4 mt-1 shrink-0\"><\/span>\n  \n<div class=\"flex-1 *:my-0\">\n<p class=\"wp-block-jerry-live-text-wrapper\">\n  \nSpeeding under 15: <span style=\"font-style:normal;font-weight:700;\" class=\"wp-block-jerry-live-text-calculation\">10%<\/span> <\/p>\n<\/div>\n<\/li>\n\n\n<li class=\"flex flex-row wp-block-jerry-custom-bullet-list-item\">\n  <span class=\"iconify text-primary i--circle-arrow mr-4 mt-1 shrink-0\"><\/span>\n  \n<div class=\"flex-1 *:my-0\">\n<p class=\"wp-block-jerry-live-text-wrapper\">\n  \nSpeeding over 15: <span style=\"font-style:normal;font-weight:700;\" class=\"wp-block-jerry-live-text-calculation\">32%<\/span> <\/p>\n<\/div>\n<\/li>\n\n\n<li class=\"flex flex-row wp-block-jerry-custom-bullet-list-item\">\n  <span class=\"iconify text-primary i--circle-arrow mr-4 mt-1 shrink-0\"><\/span>\n  \n<div class=\"flex-1 *:my-0\">\n<p class=\"wp-block-jerry-live-text-wrapper\">\n  \nFailure to obey traffic sign: <span style=\"font-style:normal;font-weight:700;\" class=\"wp-block-jerry-live-text-calculation\">26%<\/span> <\/p>\n<\/div>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"has-small-font-size\"><em>Based on Jerry customers with clean driving records and Jerry customers with one or more tickets who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">If you\u2019ve had an accident<\/h3>\n\n\n\n<p class=\"wp-block-jerry-live-text-wrapper\">\n  \nKentucky\u2019s choice no-fault system means PIP covers initial medical costs, but the at-fault driver is still responsible for damage. An <a href=\"\/car-insurance\/at-fault-accident\/\">at-fault accident<\/a> typically raises rates by <span style=\"font-style:normal;font-weight:700;\" class=\"wp-block-jerry-live-text-calculation\">27%<\/span>, and those increases can last three to five years.\n<\/p>\n\n\n\n<p>Jerry helps you secure the best available rate now and shop around for better rates once the accident ages off.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Rates after an accident, full coverage<\/h5>\n\n\n\n<div data-show-load-more=\"false\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;accidentType&quot;:&quot;Not At Fault&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$441&quot;},{&quot;accidentType&quot;:&quot;At Fault With No Injury&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$514&quot;},{&quot;accidentType&quot;:&quot;At Fault With Injury&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$607&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Accident record  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Average monthly quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Accident record  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Average monthly quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.accidentType\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.accidentType\">Not At Fault<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$441<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.accidentType\">At Fault With No Injury<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$514<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.accidentType\">At Fault With Injury<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$607<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.accidentType\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.accidentType\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated Dec. 5, 2025<\/span>\n    <\/div>\n  <\/div>\n\n\n\n<p class=\"has-small-font-size\"><em>Based on Jerry customers with clean records and those with one or more accidents<strong> <\/strong>who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">If you\u2019ve been convicted of a DUI<\/h3>\n\n\n\n<p class=\"wp-block-jerry-live-text-wrapper\">\n  \nA <a href=\"\/car-insurance\/what-is-a-dui\/\">DUI<\/a> in Kentucky brings <strong>steep penalties<\/strong> and significantly higher insurance costs. Rates usually stay elevated for several years, but certain insurers offer fairer pricing for high-risk drivers.\n<\/p>\n\n\n\n<p>Jerry identifies those carriers to magnify your savings today. As your record improves, Jerry also helps you shop your coverage again for even better rates.<\/p>\n\n\n\n<p>The <strong>cheapest insurance companies for Kentucky drivers with a DUI <\/strong>are:<\/p>\n\n\n\n<div data-show-load-more=\"false\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/progressive\\\/\\&quot; title=\\&quot;Progressive\\&quot;&gt;Progressive&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$218&quot;,&quot;fullCoverage&quot;:&quot;Yes&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/root\\\/\\&quot; title=\\&quot;ROOT\\&quot;&gt;ROOT&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$238&quot;,&quot;fullCoverage&quot;:&quot;Yes&quot;},{&quot;carrier&quot;:&quot;Trexis&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$299&quot;,&quot;fullCoverage&quot;:&quot;Yes&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/national-general\\\/\\&quot; title=\\&quot;National General\\&quot;&gt;National General&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$346&quot;,&quot;fullCoverage&quot;:&quot;Yes&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/bristol-west\\\/\\&quot; title=\\&quot;Bristol West\\&quot;&gt;Bristol West&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$386&quot;,&quot;fullCoverage&quot;:&quot;Yes&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Insurer  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg monthly rate after DUI  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Offers coverage after DUI  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Insurer  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg monthly rate after DUI  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Offers coverage after DUI  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$218<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$238<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$299<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$346<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$386<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated Dec. 12, 2025<\/span>\n    <\/div>\n  <\/div>\n\n\n\n<p class=\"has-small-font-size\"><em><em><em>Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.<\/em><\/em><\/em><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-button-primary\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes with Jerry<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">If you need an SR-22 in Kentucky<\/h3>\n\n\n\n<p>Kentucky may require an SR-22 after certain violations, uninsured crashes or license suspensions. <strong>Select the <\/strong><a href=\"\/car-insurance\/sr-22-insurance\/\"><strong>SR-22<\/strong><\/a><strong> option in the Jerry app <\/strong>and we\u2019ll only show insurers that handle your filing. Many carriers charge about <strong>$25 per year<\/strong> for the paperwork.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Car Insurance with Bad Credit<\/h3>\n\n\n\n<p>Kentucky allows insurers to consider credit-based insurance scores, meaning <strong>your credit can influence your premium<\/strong>. Still, maintaining continuous coverage, choosing the right deductible and comparing quotes frequently often have an even bigger impact on what you pay.<\/p>\n\n\n\n<p>Jerry helps you compare rates instantly to find <strong>your lowest available price.<\/strong><\/p>\n\n\n\n<h5 class=\"wp-block-heading\">Average rates in Kentucky by credit score<\/h5>\n\n\n\n<div data-show-load-more=\"false\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;creditBracket&quot;:&quot;550-659&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$308&quot;},{&quot;creditBracket&quot;:&quot;660-750&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$318&quot;},{&quot;creditBracket&quot;:&quot;&lt;550&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$301&quot;},{&quot;creditBracket&quot;:&quot;750+&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$270&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed hidden md:block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Credit score  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Average monthly quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Credit score  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Average monthly quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.creditBracket\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.creditBracket\">550-659<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$308<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.creditBracket\">660-750<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$318<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.creditBracket\">&lt;550<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$301<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.creditBracket\">750+<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$270<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.creditBracket\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$386<\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n      <div\n      class=\"block md:hidden\"\n      data-wp-init=\"callbacks.onCardCarouselInit\"\n    >\n      <div class=\"live-table-card-carousel scrollbar-width-none mx-full-bleed flex snap-x snap-mandatory scroll-pl-6 overflow-x-scroll scroll-smooth px-6\">\n        <div class=\"mx-auto flex gap-3\">\n          <template data-wp-each=\"state.displayData\">\n            <div class=\"live-table-card overflow-hidden w-72 snap-start rounded-lg border\">\n  <!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\" data-wp-text=\"context.item.creditBracket\"><\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Average monthly quote<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/span>\n  <\/div>\n  <\/div>\n<\/div>\n              <\/template>\n            <div data-wp-each-child class=\"live-table-card overflow-hidden w-72 snap-start rounded-lg border\">\n  <!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\" data-wp-text=\"context.item.creditBracket\">550-659<\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Average monthly quote<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.averagePremiumAfterJerry\">$308<\/span>\n  <\/div>\n  <\/div>\n<\/div>\n              \n            <div data-wp-each-child class=\"live-table-card overflow-hidden w-72 snap-start rounded-lg border\">\n  <!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\" data-wp-text=\"context.item.creditBracket\">660-750<\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Average monthly quote<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.averagePremiumAfterJerry\">$318<\/span>\n  <\/div>\n  <\/div>\n<\/div>\n              \n            <div data-wp-each-child class=\"live-table-card overflow-hidden w-72 snap-start rounded-lg border\">\n  <!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\" data-wp-text=\"context.item.creditBracket\">&lt;550<\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Average monthly quote<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.averagePremiumAfterJerry\">$301<\/span>\n  <\/div>\n  <\/div>\n<\/div>\n              \n            <div data-wp-each-child class=\"live-table-card overflow-hidden w-72 snap-start rounded-lg border\">\n  <!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\" data-wp-text=\"context.item.creditBracket\">750+<\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Average monthly quote<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.averagePremiumAfterJerry\">$270<\/span>\n  <\/div>\n  <\/div>\n<\/div>\n              \n            <div data-wp-each-child class=\"live-table-card overflow-hidden w-72 snap-start rounded-lg border\">\n  <!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\" data-wp-text=\"context.item.creditBracket\"><\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Average monthly quote<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.averagePremiumAfterJerry\">$386<\/span>\n  <\/div>\n  <\/div>\n<\/div>\n              \n        <\/div>\n      <\/div>\n\n      <div class=\"live-table-card-carousel-indicator mt-3.5 flex flex-row items-center justify-center gap-1\">\n        <template data-wp-each=\"state.displayData\">\n          <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n        <\/template>\n          <span data-wp-each-child class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n        \n          <span data-wp-each-child class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n        \n          <span data-wp-each-child class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n        \n          <span data-wp-each-child class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n        \n          <span data-wp-each-child class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n        \n      <\/div>\n    <\/div>\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated Dec. 12, 2025<\/span>\n    <\/div>\n  <\/div>\n\n\n\n<p class=\"has-small-font-size\"><em>Based on Jerry customers with clean driving records and Jerry customers with one or more DUI convictions who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.<\/em><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Drive with confidence<\/h2>\n\n\n\n<p>Kentucky\u2019s blend of rolling highways, severe storms, rural wildlife crossings and bustling urban centers means there\u2019s no single best policy. The right coverage protects you based on <strong>how and where you actually drive<\/strong>.<\/p>\n\n\n\n<p>Jerry makes it easy to build a policy tailored to life in Kentucky, so you stay protected year-round.<\/p>\n\n\n<div class=\"max-md:mx-full-bleed is-style-mobile-only wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-cover is-style-md-rounded-3xl has-aspect-ratio\" style=\"padding-right:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40);min-height:160px;aspect-ratio:5\/2;min-height:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"620\" height=\"414\" class=\"wp-block-cover__image-background wp-image-67864 size-full\" alt=\"\" src=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3.png\" style=\"object-position:50% 73%\" data-object-fit=\"cover\" data-object-position=\"50% 73%\" srcset=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3.png 620w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-300x200.png 300w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-400x267.png 400w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-84x56.png 84w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-374x250.png 374w\" sizes=\"auto, (max-width: 620px) 100vw, 620px\" fetchpriority=\"low\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-40 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-b3cf49644262060516a03f4a927787a2\" style=\"font-size:clamp(17.371px, 1.086rem + ((1vw - 3.2px) * 0.752), 27px);\"><strong>Get Kentucky quotes in as little as 2 minutes<\/strong>.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes<\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers \u2014 not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.<\/p>\n\n\n\n<p>At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.<\/p>\n\n\n\n<p>Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.<\/p>\n\n\n\n<p>Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.<\/p>\n\n\n\n<p><a href=\"\/car-insurance-data-methodology\/\">Read more about Jerry\u2019s data gathering and verification processes<\/a><\/p>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2025\/01\/Stephanie-Colestock.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2025\/01\/Stephanie-Colestock.png 250w, \/wp-content\/uploads\/2025\/01\/Stephanie-Colestock-150x150.png 150w, \/wp-content\/uploads\/2025\/01\/Stephanie-Colestock-56x56.png 56w, \/wp-content\/uploads\/2025\/01\/Stephanie-Colestock-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Stephanie Colestock            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Stephanie Colestock is a professional writer, CFEI&reg;, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit\/debt, investing, retirement planning, and banking.<\/p>\n<p>Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie&#8217;s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.<\/p>\n<p>When she&rsquo;s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2025\/02\/Ben-Moore.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2025\/02\/Ben-Moore.png 250w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-150x150.png 150w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-56x56.png 56w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Ben Moore            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet&rsquo;s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.<\/p>\n<p>Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela&rsquo;s, H&amp;R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Compare quotes from 50+ insurers to find the cheapest car insurance in Kentucky.<\/p>\n","protected":false},"author":19,"featured_media":70506,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"wp-custom-template-single-car-insurance-beta","meta":{"jerry_authors":"[{\"id\":\"372\",\"type\":\"main-author\"},{\"id\":\"375\",\"type\":\"editor\"}]","jerry_author_ids":[372],"jerry_idx_page_label":"Kentucky (Cheapest)","jerry_meta_desc":"Compare quotes from 50+ insurers to find the cheapest car insurance in Kentucky.","jerry_related_posts":"[36020,10440,46597,22841,34409]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[425],"tags":[31,618,235],"class_list":["post-27657","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","category-kentucky","tag-car-insurance","tag-car-insurance-location","tag-kentucky"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/27657","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=27657"}],"version-history":[{"count":26,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/27657\/revisions"}],"predecessor-version":[{"id":72835,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/27657\/revisions\/72835"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/70506"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=27657"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=27657"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=27657"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}